Home > First Citizens Bank of Polson > Performance and Condition Ratios
First Citizens Bank of Polson, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,338 |
| Cost of funding earning assets | 0.0531% | 5,077 |
| Net interest margin | 4.1114% | 1,113 |
| Noninterest income to average assets | 1.6137% | 348 |
| Noninterest expense to average assets | 9.5396% | 81 |
| Loan and lease loss provision to assets | -2.3730% | 5,115 |
| Net operating income to assets | -1.8747% | 5,045 |
| Return on assets (ROA) | -1.8747% | 5,030 |
| Pretax return on assets | -1.8747% | 5,019 |
| Return on Equity (ROE) | -32.3274% | 5,085 |
| Retained earnings to average equity (ytd only) | -32.3274% | 5,051 |
| Net charge-offs to loans | -0.4228% | 5,011 |
| Credit loss provision to net charge-offs | 1,111.1111% | 529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.2691% | 35 |
| Assets per employee ($millions) | 1.4017% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2476% | 352 |
| Loan loss allowance to noncurrent loans | 2,337.5000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,369 |
| Noncurrent loans to loans | 0.0962% | 4,123 |
| Net loans and leases to total assets | 48.3532% | 4,316 |
| Net loans and leases to deposits | 51.9282% | 4,521 |
| Net loans and leases to core deposits | 51.9282% | 4,629 |
| Total domestic deposits to total assets | 93.1153% | 10 |
| Equity capital to assets | 6.4447% | 5,091 |
| Core capital (leverage) ratio | 6.3653% | 5,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2743% | 2,580 |
| Memoranda: | ||
| Average total assets | $16,856,000 | 5,085 |
| Average earning assets | $15,080,000 | 5,076 |
| Average equity | $977,500 | 5,111 |
| Average total loans | $8,515,000 | 5,017 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,951 |
| Cost of funding earning assets | 0.0499% | 5,144 |
| Net interest margin | 4.4492% | 802 |
| Noninterest income to average assets | 1.2230% | 630 |
| Noninterest expense to average assets | 11.7529% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -6.5244% | 5,171 |
| Return on assets (ROA) | -6.5244% | 5,171 |
| Pretax return on assets | -6.5244% | 5,171 |
| Return on Equity (ROE) | -87.4436% | 5,174 |
| Retained earnings to average equity (ytd only) | -87.4436% | 5,173 |
| Net charge-offs to loans | 0.3692% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -33.2286% | 3,709 |
| Efficiency ratio | 224.7854% | 18 |
| Assets per employee ($millions) | 1.4077% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1917% | 105 |
| Loan loss allowance to noncurrent loans | 323.2558% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 2,378 |
| Noncurrent loans to loans | 0.9874% | 1,542 |
| Net loans and leases to total assets | 49.9171% | 4,329 |
| Net loans and leases to deposits | 52.8255% | 4,573 |
| Net loans and leases to core deposits | 52.8255% | 4,681 |
| Total domestic deposits to total assets | 94.4944% | 5 |
| Equity capital to assets | 5.1563% | 5,169 |
| Core capital (leverage) ratio | 4.8747% | 5,169 |
| Tier 1 risk-based capital ratio | 9.5968% | 5,154 |
| Total risk-based capital ratio | 10.8630% | 5,136 |
| Memoranda: | ||
| Average total assets | $17,825,400 | 5,135 |
| Average earning assets | $16,047,800 | 5,129 |
| Average equity | $1,330,000 | 5,164 |
| Average total loans | $9,481,000 | 5,062 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 2,866 |
| Cost of funding earning assets | 0.0490% | 5,222 |
| Net interest margin | 4.5097% | 753 |
| Noninterest income to average assets | 1.1813% | 658 |
| Noninterest expense to average assets | 12.0936% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -6.8368% | 5,249 |
| Return on assets (ROA) | -6.8368% | 5,248 |
| Pretax return on assets | -6.8368% | 5,248 |
| Return on Equity (ROE) | -85.4570% | 5,253 |
| Retained earnings to average equity (ytd only) | -85.4570% | 5,251 |
| Net charge-offs to loans | 0.4548% | 373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -28.0600% | 3,442 |
| Efficiency ratio | 230.0562% | 18 |
| Assets per employee ($millions) | 1.5203% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0981% | 123 |
| Loan loss allowance to noncurrent loans | 3,122.2222% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,468 |
| Noncurrent loans to loans | 0.0992% | 4,201 |
| Net loans and leases to total assets | 48.1747% | 4,507 |
| Net loans and leases to deposits | 51.4880% | 4,727 |
| Net loans and leases to core deposits | 51.4880% | 4,805 |
| Total domestic deposits to total assets | 93.5650% | 8 |
| Equity capital to assets | 6.0732% | 5,244 |
| Core capital (leverage) ratio | 6.0010% | 5,241 |
| Tier 1 risk-based capital ratio | 11.5240% | 4,658 |
| Total risk-based capital ratio | 12.7905% | 4,552 |
| Memoranda: | ||
| Average total assets | $18,058,750 | 5,212 |
| Average earning assets | $16,320,000 | 5,205 |
| Average equity | $1,444,750 | 5,239 |
| Average total loans | $9,673,750 | 5,139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 2,732 |
| Cost of funding earning assets | 0.0616% | 5,260 |
| Net interest margin | 4.5196% | 737 |
| Noninterest income to average assets | 1.0668% | 753 |
| Noninterest expense to average assets | 13.3133% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -8.1680% | 5,299 |
| Return on assets (ROA) | -8.1680% | 5,299 |
| Pretax return on assets | -8.1680% | 5,299 |
| Return on Equity (ROE) | -94.4123% | 5,299 |
| Retained earnings to average equity (ytd only) | -94.4123% | 5,296 |
| Net charge-offs to loans | 0.8304% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -17.9268% | 3,157 |
| Efficiency ratio | 258.7473% | 11 |
| Assets per employee ($millions) | 1.4636% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9390% | 132 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,363 |
| Noncurrent loans to loans | 0.1507% | 4,010 |
| Net loans and leases to total assets | 51.3352% | 4,397 |
| Net loans and leases to deposits | 55.7300% | 4,602 |
| Net loans and leases to core deposits | 55.7300% | 4,720 |
| Total domestic deposits to total assets | 92.1141% | 36 |
| Equity capital to assets | 7.3962% | 5,245 |
| Core capital (leverage) ratio | 7.1770% | 5,257 |
| Tier 1 risk-based capital ratio | 13.3983% | 3,632 |
| Total risk-based capital ratio | 14.6635% | 3,528 |
| Memoranda: | ||
| Average total assets | $17,997,000 | 5,258 |
| Average earning assets | $16,240,330 | 5,253 |
| Average equity | $1,557,000 | 5,282 |
| Average total loans | $9,875,000 | 5,183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 2,315 |
| Cost of funding earning assets | 0.0489% | 5,330 |
| Net interest margin | 4.6224% | 580 |
| Noninterest income to average assets | 0.6369% | 1,876 |
| Noninterest expense to average assets | 8.1256% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.3381% | 5,335 |
| Return on assets (ROA) | -3.3381% | 5,334 |
| Pretax return on assets | -3.3381% | 5,333 |
| Return on Equity (ROE) | -36.0617% | 5,347 |
| Retained earnings to average equity (ytd only) | -36.0617% | 5,322 |
| Net charge-offs to loans | 1.6522% | 70 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -3.6190% | 2,708 |
| Efficiency ratio | 169.7248% | 29 |
| Assets per employee ($millions) | 1.4922% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8841% | 147 |
| Loan loss allowance to noncurrent loans | 1,431.5789% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 4,279 |
| Noncurrent loans to loans | 0.2015% | 3,869 |
| Net loans and leases to total assets | 51.1505% | 4,394 |
| Net loans and leases to deposits | 56.4638% | 4,575 |
| Net loans and leases to core deposits | 56.4638% | 4,693 |
| Total domestic deposits to total assets | 90.5897% | 258 |
| Equity capital to assets | 8.9914% | 4,689 |
| Core capital (leverage) ratio | 8.7850% | 4,802 |
| Tier 1 risk-based capital ratio | 18.7260% | 1,605 |
| Total risk-based capital ratio | 19.9930% | 1,563 |
| Memoranda: | ||
| Average total assets | $18,214,000 | 5,311 |
| Average earning assets | $16,355,000 | 5,305 |
| Average equity | $1,686,000 | 5,331 |
| Average total loans | $10,168,000 | 5,239 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,142 |
| Cost of funding earning assets | 0.0618% | 5,355 |
| Net interest margin | 4.2311% | 1,322 |
| Noninterest income to average assets | 2.1784% | 239 |
| Noninterest expense to average assets | 5.2771% | 173 |
| Loan and lease loss provision to assets | 0.1144% | 1,926 |
| Net operating income to assets | 0.5174% | 4,623 |
| Return on assets (ROA) | 0.5174% | 4,624 |
| Pretax return on assets | 0.5174% | 4,773 |
| Return on Equity (ROE) | 5.7772% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.7772% | 2,306 |
| Net charge-offs to loans | -0.0171% | 4,650 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3088% | 377 |
| Assets per employee ($millions) | 1.5534% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 697 |
| Loan loss allowance to noncurrent loans | 975.0000% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 4,293 |
| Noncurrent loans to loans | 0.1834% | 3,922 |
| Net loans and leases to total assets | 57.4540% | 4,014 |
| Net loans and leases to deposits | 64.0282% | 4,257 |
| Net loans and leases to core deposits | 64.0282% | 4,448 |
| Total domestic deposits to total assets | 89.7323% | 560 |
| Equity capital to assets | 10.1014% | 3,569 |
| Core capital (leverage) ratio | 10.0598% | 3,512 |
| Tier 1 risk-based capital ratio | 15.2334% | 2,725 |
| Total risk-based capital ratio | 16.4873% | 2,662 |
| Memoranda: | ||
| Average total assets | $18,362,400 | 5,356 |
| Average earning assets | $16,189,600 | 5,351 |
| Average equity | $1,644,400 | 5,376 |
| Average total loans | $11,714,000 | 5,253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 3,105 |
| Cost of funding earning assets | 0.0662% | 5,411 |
| Net interest margin | 4.1969% | 1,365 |
| Noninterest income to average assets | 1.9169% | 294 |
| Noninterest expense to average assets | 5.4447% | 160 |
| Loan and lease loss provision to assets | 0.1458% | 1,360 |
| Net operating income to assets | 0.0219% | 5,291 |
| Return on assets (ROA) | 0.0219% | 5,289 |
| Pretax return on assets | 0.0219% | 5,286 |
| Return on Equity (ROE) | 0.2524% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.2524% | 4,995 |
| Net charge-offs to loans | -0.0336% | 4,788 |
| Credit loss provision to net charge-offs | -666.6667% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0130% | 189 |
| Assets per employee ($millions) | 1.8161% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 868 |
| Loan loss allowance to noncurrent loans | 158.0645% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 1,723 |
| Noncurrent loans to loans | 1.0755% | 1,585 |
| Net loans and leases to total assets | 62.4030% | 3,613 |
| Net loans and leases to deposits | 69.5703% | 3,950 |
| Net loans and leases to core deposits | 69.5703% | 4,218 |
| Total domestic deposits to total assets | 89.6977% | 598 |
| Equity capital to assets | 9.8398% | 3,791 |
| Core capital (leverage) ratio | 9.6158% | 4,034 |
| Tier 1 risk-based capital ratio | 18.1671% | 1,751 |
| Total risk-based capital ratio | 19.4242% | 1,700 |
| Memoranda: | ||
| Average total assets | $18,292,750 | 5,426 |
| Average earning assets | $16,106,500 | 5,421 |
| Average equity | $1,584,750 | 5,451 |
| Average total loans | $11,916,250 | 5,314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,972 |
| Cost of funding earning assets | 0.0624% | 5,472 |
| Net interest margin | 4.1801% | 1,333 |
| Noninterest income to average assets | 3.3016% | 149 |
| Noninterest expense to average assets | 5.2520% | 184 |
| Loan and lease loss provision to assets | 0.2179% | 756 |
| Net operating income to assets | 1.4819% | 1,195 |
| Return on assets (ROA) | 1.4819% | 1,195 |
| Pretax return on assets | 1.4819% | 1,878 |
| Return on Equity (ROE) | 17.7121% | 454 |
| Retained earnings to average equity (ytd only) | 17.7121% | 102 |
| Net charge-offs to loans | -0.0498% | 4,921 |
| Credit loss provision to net charge-offs | -666.6667% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5486% | 1,488 |
| Assets per employee ($millions) | 2.7040% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 953 |
| Loan loss allowance to noncurrent loans | 130.6667% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5374% | 860 |
| Noncurrent loans to loans | 1.2794% | 1,336 |
| Net loans and leases to total assets | 60.9045% | 3,717 |
| Net loans and leases to deposits | 68.1123% | 4,007 |
| Net loans and leases to core deposits | 68.1123% | 4,248 |
| Total domestic deposits to total assets | 89.4178% | 767 |
| Equity capital to assets | 10.1384% | 3,500 |
| Core capital (leverage) ratio | 10.2568% | 3,285 |
| Tier 1 risk-based capital ratio | 19.0424% | 1,540 |
| Total risk-based capital ratio | 20.3086% | 1,502 |
| Memoranda: | ||
| Average total assets | $18,355,000 | 5,490 |
| Average earning assets | $16,028,330 | 5,488 |
| Average equity | $1,535,670 | 5,516 |
| Average total loans | $12,045,330 | 5,375 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 3,712 |
| Cost of funding earning assets | 0.1019% | 5,460 |
| Net interest margin | 3.8716% | 2,150 |
| Noninterest income to average assets | 4.5826% | 102 |
| Noninterest expense to average assets | 5.2467% | 189 |
| Loan and lease loss provision to assets | 0.2214% | 708 |
| Net operating income to assets | 2.4795% | 149 |
| Return on assets (ROA) | 2.4795% | 153 |
| Pretax return on assets | 2.4795% | 223 |
| Return on Equity (ROE) | 33.3333% | 31 |
| Retained earnings to average equity (ytd only) | 33.3333% | 14 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0167% | 3,152 |
| Assets per employee ($millions) | 3.1143% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,466 |
| Loan loss allowance to noncurrent loans | 62.8866% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 4.1635% | 149 |
| Noncurrent loans to loans | 2.3851% | 586 |
| Net loans and leases to total assets | 64.3155% | 3,269 |
| Net loans and leases to deposits | 71.9511% | 3,606 |
| Net loans and leases to core deposits | 71.9511% | 3,965 |
| Total domestic deposits to total assets | 89.3878% | 924 |
| Equity capital to assets | 10.1894% | 3,406 |
| Core capital (leverage) ratio | 10.5304% | 2,912 |
| Tier 1 risk-based capital ratio | 17.5193% | 1,967 |
| Total risk-based capital ratio | 18.7707% | 1,923 |
| Memoranda: | ||
| Average total assets | $18,068,500 | 5,555 |
| Average earning assets | $15,704,000 | 5,554 |
| Average equity | $1,344,000 | 5,585 |
| Average total loans | $12,206,000 | 5,436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 2,840 |
| Cost of funding earning assets | 0.0972% | 5,507 |
| Net interest margin | 4.0629% | 1,555 |
| Noninterest income to average assets | 0.8788% | 1,330 |
| Noninterest expense to average assets | 5.3300% | 184 |
| Loan and lease loss provision to assets | 0.2132% | 935 |
| Net operating income to assets | -4.9920% | 5,660 |
| Return on assets (ROA) | -4.9920% | 5,660 |
| Pretax return on assets | -1.1856% | 5,613 |
| Return on Equity (ROE) | -77.5820% | 5,663 |
| Retained earnings to average equity (ytd only) | -77.5820% | 5,663 |
| Net charge-offs to loans | 0.4551% | 525 |
| Credit loss provision to net charge-offs | 71.9298% | 3,067 |
| Earnings coverage of net charge-offs (x) | -3.2807% | 4,063 |
| Efficiency ratio | 122.3150% | 57 |
| Assets per employee ($millions) | 2.1814% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,701 |
| Loan loss allowance to noncurrent loans | 33.6576% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 5.7533% | 72 |
| Noncurrent loans to loans | 4.2093% | 217 |
| Net loans and leases to total assets | 68.9817% | 2,690 |
| Net loans and leases to deposits | 72.5618% | 3,643 |
| Net loans and leases to core deposits | 72.5618% | 4,007 |
| Total domestic deposits to total assets | 95.0662% | 4 |
| Equity capital to assets | 4.4926% | 5,655 |
| Core capital (leverage) ratio | 4.3049% | 5,661 |
| Tier 1 risk-based capital ratio | 7.3162% | 5,655 |
| Total risk-based capital ratio | 8.5666% | 5,653 |
| Memoranda: | ||
| Average total assets | $19,230,800 | 5,611 |
| Average earning assets | $16,466,200 | 5,609 |
| Average equity | $1,237,400 | 5,656 |
| Average total loans | $12,523,800 | 5,496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,846 |
| Cost of funding earning assets | 0.1112% | 5,513 |
| Net interest margin | 4.0264% | 1,615 |
| Noninterest income to average assets | 0.8945% | 1,290 |
| Noninterest expense to average assets | 5.1161% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -5.7464% | 5,727 |
| Return on assets (ROA) | -5.7464% | 5,727 |
| Pretax return on assets | -0.7860% | 5,653 |
| Return on Equity (ROE) | -83.7046% | 5,731 |
| Retained earnings to average equity (ytd only) | -83.7046% | 5,729 |
| Net charge-offs to loans | 0.5819% | 339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -2.1091% | 3,735 |
| Efficiency ratio | 118.1534% | 65 |
| Assets per employee ($millions) | 2.3298% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,526 |
| Loan loss allowance to noncurrent loans | 23.5398% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 5.6605% | 77 |
| Noncurrent loans to loans | 4.6429% | 188 |
| Net loans and leases to total assets | 64.5777% | 3,312 |
| Net loans and leases to deposits | 68.1116% | 4,106 |
| Net loans and leases to core deposits | 68.1116% | 4,357 |
| Total domestic deposits to total assets | 94.8117% | 5 |
| Equity capital to assets | 4.8181% | 5,719 |
| Core capital (leverage) ratio | 4.5655% | 5,723 |
| Tier 1 risk-based capital ratio | 8.2593% | 5,713 |
| Total risk-based capital ratio | 9.5046% | 5,711 |
| Memoranda: | ||
| Average total assets | $19,675,750 | 5,671 |
| Average earning assets | $16,788,500 | 5,671 |
| Average equity | $1,350,750 | 5,718 |
| Average total loans | $12,602,000 | 5,556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,083 |
| Cost of funding earning assets | 0.1293% | 5,448 |
| Net interest margin | 3.9026% | 1,919 |
| Noninterest income to average assets | 0.9690% | 1,092 |
| Noninterest expense to average assets | 4.9147% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -6.8226% | 5,778 |
| Return on assets (ROA) | -6.8226% | 5,778 |
| Pretax return on assets | -0.6293% | 5,691 |
| Return on Equity (ROE) | -90.9654% | 5,780 |
| Retained earnings to average equity (ytd only) | -90.9654% | 5,775 |
| Net charge-offs to loans | 0.3766% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.6250% | 3,450 |
| Efficiency ratio | 114.6853% | 82 |
| Assets per employee ($millions) | 2.7886% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,420 |
| Loan loss allowance to noncurrent loans | 25.3067% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 6.1373% | 71 |
| Noncurrent loans to loans | 5.1330% | 144 |
| Net loans and leases to total assets | 64.2264% | 3,355 |
| Net loans and leases to deposits | 68.1618% | 4,059 |
| Net loans and leases to core deposits | 68.1618% | 4,340 |
| Total domestic deposits to total assets | 94.2264% | 9 |
| Equity capital to assets | 5.4662% | 5,757 |
| Core capital (leverage) ratio | 5.3545% | 5,758 |
| Tier 1 risk-based capital ratio | 8.9868% | 5,742 |
| Total risk-based capital ratio | 10.2333% | 5,739 |
| Memoranda: | ||
| Average total assets | $20,021,670 | 5,715 |
| Average earning assets | $17,014,330 | 5,717 |
| Average equity | $1,501,670 | 5,762 |
| Average total loans | $12,746,330 | 5,598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,078 |
| Cost of funding earning assets | 0.1408% | 5,436 |
| Net interest margin | 3.8484% | 1,957 |
| Noninterest income to average assets | 0.8484% | 1,402 |
| Noninterest expense to average assets | 5.2682% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.1839% | 5,787 |
| Return on assets (ROA) | -1.1839% | 5,788 |
| Pretax return on assets | -1.1839% | 5,781 |
| Return on Equity (ROE) | -13.9616% | 5,795 |
| Retained earnings to average equity (ytd only) | -13.9616% | 5,655 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9855% | 58 |
| Assets per employee ($millions) | 2.5846% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,799 |
| Loan loss allowance to noncurrent loans | 32.5260% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 5.4360% | 96 |
| Noncurrent loans to loans | 4.5184% | 200 |
| Net loans and leases to total assets | 60.9566% | 3,672 |
| Net loans and leases to deposits | 66.5646% | 4,124 |
| Net loans and leases to core deposits | 70.3230% | 4,126 |
| Total domestic deposits to total assets | 91.5752% | 168 |
| Equity capital to assets | 8.1733% | 5,432 |
| Core capital (leverage) ratio | 5.7101% | 5,815 |
| Tier 1 risk-based capital ratio | 9.3693% | 5,785 |
| Total risk-based capital ratio | 10.6359% | 5,773 |
| Memoranda: | ||
| Average total assets | $20,272,500 | 5,782 |
| Average earning assets | $17,046,000 | 5,785 |
| Average equity | $1,719,000 | 5,812 |
| Average total loans | $12,768,500 | 5,662 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 2,846 |
| Cost of funding earning assets | 0.1624% | 5,344 |
| Net interest margin | 3.9383% | 1,824 |
| Noninterest income to average assets | 1.3544% | 624 |
| Noninterest expense to average assets | 5.4223% | 215 |
| Loan and lease loss provision to assets | 0.2923% | 653 |
| Net operating income to assets | -1.0523% | 5,839 |
| Return on assets (ROA) | -1.0523% | 5,840 |
| Pretax return on assets | -1.0523% | 5,835 |
| Return on Equity (ROE) | -11.5151% | 5,844 |
| Retained earnings to average equity (ytd only) | -11.5151% | 5,801 |
| Net charge-offs to loans | 1.2425% | 134 |
| Credit loss provision to net charge-offs | 35.9281% | 3,540 |
| Earnings coverage of net charge-offs (x) | -0.9341% | 4,168 |
| Efficiency ratio | 116.3009% | 94 |
| Assets per employee ($millions) | 1.6557% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,776 |
| Loan loss allowance to noncurrent loans | 29.2835% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 7.1019% | 64 |
| Noncurrent loans to loans | 5.0373% | 157 |
| Net loans and leases to total assets | 63.2021% | 3,449 |
| Net loans and leases to deposits | 69.5370% | 3,953 |
| Net loans and leases to core deposits | 73.6567% | 3,948 |
| Total domestic deposits to total assets | 90.8899% | 313 |
| Equity capital to assets | 8.7981% | 5,013 |
| Core capital (leverage) ratio | 5.7310% | 5,869 |
| Tier 1 risk-based capital ratio | 9.8987% | 5,761 |
| Total risk-based capital ratio | 11.1819% | 5,722 |
| Memoranda: | ||
| Average total assets | $20,526,200 | 5,835 |
| Average earning assets | $17,240,800 | 5,836 |
| Average equity | $1,875,800 | 5,855 |
| Average total loans | $13,440,800 | 5,697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,626 |
| Cost of funding earning assets | 0.1608% | 5,406 |
| Net interest margin | 4.0049% | 1,633 |
| Noninterest income to average assets | 1.5723% | 499 |
| Noninterest expense to average assets | 5.3034% | 223 |
| Loan and lease loss provision to assets | 0.3866% | 389 |
| Net operating income to assets | -0.7475% | 5,885 |
| Return on assets (ROA) | -0.7475% | 5,891 |
| Pretax return on assets | -0.7475% | 5,884 |
| Return on Equity (ROE) | -8.1069% | 5,895 |
| Retained earnings to average equity (ytd only) | -8.1069% | 5,820 |
| Net charge-offs to loans | 1.6257% | 79 |
| Credit loss provision to net charge-offs | 36.1446% | 3,183 |
| Earnings coverage of net charge-offs (x) | -0.3373% | 3,837 |
| Efficiency ratio | 107.3012% | 142 |
| Assets per employee ($millions) | 1.7586% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,857 |
| Loan loss allowance to noncurrent loans | 33.7478% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 6.3403% | 92 |
| Noncurrent loans to loans | 4.3742% | 227 |
| Net loans and leases to total assets | 60.0910% | 3,864 |
| Net loans and leases to deposits | 66.1606% | 4,327 |
| Net loans and leases to core deposits | 69.8293% | 4,340 |
| Total domestic deposits to total assets | 90.8259% | 230 |
| Equity capital to assets | 8.7997% | 5,318 |
| Core capital (leverage) ratio | 6.2345% | 5,918 |
| Tier 1 risk-based capital ratio | 10.5272% | 5,606 |
| Total risk-based capital ratio | 11.8045% | 5,519 |
| Memoranda: | ||
| Average total assets | $20,690,750 | 5,895 |
| Average earning assets | $17,411,500 | 5,898 |
| Average equity | $1,907,750 | 5,916 |
| Average total loans | $13,614,750 | 5,755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 2,624 |
| Cost of funding earning assets | 0.1730% | 5,384 |
| Net interest margin | 3.9909% | 1,668 |
| Noninterest income to average assets | 1.9656% | 342 |
| Noninterest expense to average assets | 5.3422% | 230 |
| Loan and lease loss provision to assets | 0.5838% | 190 |
| Net operating income to assets | -0.5936% | 5,935 |
| Return on assets (ROA) | -0.5936% | 5,938 |
| Pretax return on assets | -0.5936% | 5,931 |
| Return on Equity (ROE) | -6.3387% | 5,948 |
| Retained earnings to average equity (ytd only) | -6.3387% | 5,800 |
| Net charge-offs to loans | 2.4093% | 59 |
| Credit loss provision to net charge-offs | 35.9281% | 2,808 |
| Earnings coverage of net charge-offs (x) | -0.0060% | 3,563 |
| Efficiency ratio | 100.1825% | 240 |
| Assets per employee ($millions) | 1.6410% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,231 |
| Loan loss allowance to noncurrent loans | 35.8634% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 6.6118% | 94 |
| Noncurrent loans to loans | 3.9405% | 297 |
| Net loans and leases to total assets | 66.9561% | 2,947 |
| Net loans and leases to deposits | 74.4200% | 3,539 |
| Net loans and leases to core deposits | 78.8954% | 3,563 |
| Total domestic deposits to total assets | 89.9705% | 500 |
| Equity capital to assets | 9.7400% | 4,518 |
| Core capital (leverage) ratio | 6.9935% | 5,953 |
| Tier 1 risk-based capital ratio | 11.8886% | 4,905 |
| Total risk-based capital ratio | 13.1787% | 4,784 |
| Memoranda: | ||
| Average total assets | $20,553,330 | 5,970 |
| Average earning assets | $17,339,330 | 5,973 |
| Average equity | $1,924,670 | 5,991 |
| Average total loans | $13,862,670 | 5,821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,048 |
| Cost of funding earning assets | 0.1798% | 5,378 |
| Net interest margin | 3.8664% | 2,051 |
| Noninterest income to average assets | 2.7831% | 222 |
| Noninterest expense to average assets | 5.4327% | 218 |
| Loan and lease loss provision to assets | 1.1437% | 82 |
| Net operating income to assets | -0.5147% | 5,966 |
| Return on assets (ROA) | -0.5147% | 5,973 |
| Pretax return on assets | -0.5147% | 5,965 |
| Return on Equity (ROE) | -5.6017% | 5,979 |
| Retained earnings to average equity (ytd only) | -5.6017% | 5,633 |
| Net charge-offs to loans | 4.7352% | 16 |
| Credit loss provision to net charge-offs | 35.9281% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.1976% | 2,955 |
| Efficiency ratio | 89.6226% | 697 |
| Assets per employee ($millions) | 1.7121% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,509 |
| Loan loss allowance to noncurrent loans | 36.1377% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 5.7484% | 128 |
| Noncurrent loans to loans | 3.8217% | 325 |
| Net loans and leases to total assets | 65.6899% | 2,995 |
| Net loans and leases to deposits | 72.6021% | 3,590 |
| Net loans and leases to core deposits | 76.7385% | 3,608 |
| Total domestic deposits to total assets | 90.4794% | 439 |
| Equity capital to assets | 9.3307% | 4,860 |
| Core capital (leverage) ratio | 6.7689% | 6,015 |
| Tier 1 risk-based capital ratio | 11.6699% | 5,121 |
| Total risk-based capital ratio | 12.9518% | 5,016 |
| Memoranda: | ||
| Average total assets | $20,984,000 | 6,027 |
| Average earning assets | $17,794,500 | 6,027 |
| Average equity | $1,928,000 | 6,049 |
| Average total loans | $14,107,000 | 5,868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 1,870 |
| Cost of funding earning assets | 0.1777% | 5,481 |
| Net interest margin | 4.2311% | 1,095 |
| Noninterest income to average assets | 1.3468% | 667 |
| Noninterest expense to average assets | 5.1341% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.2627% | 5,984 |
| Return on assets (ROA) | -0.2627% | 5,991 |
| Pretax return on assets | -0.2627% | 5,978 |
| Return on Equity (ROE) | -2.8211% | 6,004 |
| Retained earnings to average equity (ytd only) | -2.8211% | 5,810 |
| Net charge-offs to loans | 0.6830% | 350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.5556% | 4,311 |
| Efficiency ratio | 105.3922% | 191 |
| Assets per employee ($millions) | 1.7853% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 757 |
| Loan loss allowance to noncurrent loans | 25.1487% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 8.1314% | 75 |
| Noncurrent loans to loans | 8.1010% | 75 |
| Net loans and leases to total assets | 66.4379% | 2,920 |
| Net loans and leases to deposits | 73.1548% | 3,593 |
| Net loans and leases to core deposits | 79.2660% | 3,420 |
| Total domestic deposits to total assets | 90.8183% | 329 |
| Equity capital to assets | 9.0510% | 5,078 |
| Core capital (leverage) ratio | 6.7116% | 6,077 |
| Tier 1 risk-based capital ratio | 11.5268% | 5,238 |
| Total risk-based capital ratio | 12.8272% | 5,115 |
| Memoranda: | ||
| Average total assets | $20,938,400 | 6,083 |
| Average earning assets | $17,442,400 | 6,091 |
| Average equity | $1,949,600 | 6,107 |
| Average total loans | $14,495,000 | 5,907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 1,399 |
| Cost of funding earning assets | 0.1714% | 5,617 |
| Net interest margin | 4.4034% | 790 |
| Noninterest income to average assets | 1.3510% | 668 |
| Noninterest expense to average assets | 5.1029% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1089% | 6,005 |
| Return on assets (ROA) | -0.1089% | 6,028 |
| Pretax return on assets | -0.1345% | 6,024 |
| Return on Equity (ROE) | -1.1608% | 6,034 |
| Retained earnings to average equity (ytd only) | -1.1608% | 5,776 |
| Net charge-offs to loans | 0.9072% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.2143% | 4,009 |
| Efficiency ratio | 102.7062% | 241 |
| Assets per employee ($millions) | 1.7798% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 913 |
| Loan loss allowance to noncurrent loans | 39.4422% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 9.4629% | 63 |
| Noncurrent loans to loans | 5.0659% | 203 |
| Net loans and leases to total assets | 68.2071% | 2,646 |
| Net loans and leases to deposits | 75.4142% | 3,381 |
| Net loans and leases to core deposits | 81.7911% | 3,273 |
| Total domestic deposits to total assets | 90.4434% | 403 |
| Equity capital to assets | 9.2710% | 5,034 |
| Core capital (leverage) ratio | 8.6025% | 5,462 |
| Tier 1 risk-based capital ratio | 13.5492% | 4,116 |
| Total risk-based capital ratio | 14.8247% | 4,022 |
| Memoranda: | ||
| Average total assets | $20,824,250 | 6,168 |
| Average earning assets | $17,107,500 | 6,180 |
| Average equity | $1,953,000 | 6,190 |
| Average total loans | $14,402,000 | 5,986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 1,598 |
| Cost of funding earning assets | 0.1655% | 5,737 |
| Net interest margin | 4.3141% | 896 |
| Noninterest income to average assets | 0.8137% | 1,721 |
| Noninterest expense to average assets | 5.0759% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7265% | 6,227 |
| Return on assets (ROA) | -0.7265% | 6,231 |
| Pretax return on assets | -0.7265% | 6,221 |
| Return on Equity (ROE) | -7.7160% | 6,231 |
| Retained earnings to average equity (ytd only) | -7.7160% | 6,119 |
| Net charge-offs to loans | 1.3867% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.7653% | 3,762 |
| Efficiency ratio | 116.7038% | 122 |
| Assets per employee ($millions) | 1.7213% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 992 |
| Loan loss allowance to noncurrent loans | 41.0221% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 9.6437% | 67 |
| Noncurrent loans to loans | 4.8682% | 247 |
| Net loans and leases to total assets | 70.5606% | 2,232 |
| Net loans and leases to deposits | 78.0622% | 3,016 |
| Net loans and leases to core deposits | 84.9013% | 2,893 |
| Total domestic deposits to total assets | 90.3902% | 501 |
| Equity capital to assets | 9.3000% | 4,894 |
| Core capital (leverage) ratio | 8.5652% | 5,474 |
| Tier 1 risk-based capital ratio | 14.0670% | 3,888 |
| Total risk-based capital ratio | 15.3415% | 3,799 |
| Memoranda: | ||
| Average total assets | $20,646,670 | 6,246 |
| Average earning assets | $16,921,330 | 6,258 |
| Average equity | $1,944,000 | 6,263 |
| Average total loans | $14,134,000 | 6,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 2,450 |
| Cost of funding earning assets | 0.1644% | 5,818 |
| Net interest margin | 4.0387% | 1,444 |
| Noninterest income to average assets | 0.3294% | 4,556 |
| Noninterest expense to average assets | 5.0964% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.4340% | 6,348 |
| Return on assets (ROA) | -1.4340% | 6,351 |
| Pretax return on assets | -1.4340% | 6,345 |
| Return on Equity (ROE) | -15.1368% | 6,346 |
| Retained earnings to average equity (ytd only) | -15.1368% | 6,223 |
| Net charge-offs to loans | 2.4410% | 64 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.8810% | 3,167 |
| Efficiency ratio | 139.1534% | 63 |
| Assets per employee ($millions) | 1.7744% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 863 |
| Loan loss allowance to noncurrent loans | 19.5352% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 13.2203% | 45 |
| Noncurrent loans to loans | 10.9672% | 48 |
| Net loans and leases to total assets | 66.7121% | 2,649 |
| Net loans and leases to deposits | 73.4906% | 3,369 |
| Net loans and leases to core deposits | 79.6825% | 3,205 |
| Total domestic deposits to total assets | 90.7763% | 446 |
| Equity capital to assets | 9.0264% | 5,252 |
| Core capital (leverage) ratio | 8.7466% | 5,267 |
| Tier 1 risk-based capital ratio | 13.4493% | 4,349 |
| Total risk-based capital ratio | 14.7138% | 4,263 |
| Memoranda: | ||
| Average total assets | $20,642,000 | 6,316 |
| Average earning assets | $17,035,000 | 6,321 |
| Average equity | $1,955,500 | 6,323 |
| Average total loans | $13,765,000 | 6,127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 1,343 |
| Cost of funding earning assets | 0.1990% | 5,754 |
| Net interest margin | 4.4865% | 767 |
| Noninterest income to average assets | 0.2051% | 5,631 |
| Noninterest expense to average assets | 5.2207% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.0359% | 6,388 |
| Return on assets (ROA) | -1.0359% | 6,386 |
| Pretax return on assets | -1.4308% | 6,414 |
| Return on Equity (ROE) | -10.7894% | 6,372 |
| Retained earnings to average equity (ytd only) | -10.7894% | 6,329 |
| Net charge-offs to loans | 0.6316% | 621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.3614% | 4,867 |
| Efficiency ratio | 137.7537% | 74 |
| Assets per employee ($millions) | 1.6659% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0352% | 288 |
| Loan loss allowance to noncurrent loans | 25.8847% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 12.5156% | 54 |
| Noncurrent loans to loans | 11.7258% | 51 |
| Net loans and leases to total assets | 63.1234% | 3,344 |
| Net loans and leases to deposits | 70.2891% | 3,871 |
| Net loans and leases to core deposits | 76.6973% | 3,639 |
| Total domestic deposits to total assets | 89.8054% | 824 |
| Equity capital to assets | 9.9495% | 4,179 |
| Core capital (leverage) ratio | 9.2067% | 4,673 |
| Tier 1 risk-based capital ratio | 14.0925% | 4,032 |
| Total risk-based capital ratio | 15.3743% | 3,940 |
| Memoranda: | ||
| Average total assets | $19,499,200 | 6,421 |
| Average earning assets | $15,580,000 | 6,429 |
| Average equity | $1,872,200 | 6,419 |
| Average total loans | $13,141,400 | 6,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 1,170 |
| Cost of funding earning assets | 0.1826% | 5,974 |
| Net interest margin | 4.5830% | 639 |
| Noninterest income to average assets | 0.9014% | 1,515 |
| Noninterest expense to average assets | 5.0301% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5023% | 6,372 |
| Return on assets (ROA) | -0.5023% | 6,368 |
| Pretax return on assets | -0.5023% | 6,356 |
| Return on Equity (ROE) | -5.2811% | 6,375 |
| Retained earnings to average equity (ytd only) | -5.2811% | 6,266 |
| Net charge-offs to loans | 0.7996% | 418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.9240% | 4,524 |
| Efficiency ratio | 111.0942% | 208 |
| Assets per employee ($millions) | 1.7226% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9879% | 364 |
| Loan loss allowance to noncurrent loans | 23.4844% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 11.6734% | 68 |
| Noncurrent loans to loans | 12.7228% | 47 |
| Net loans and leases to total assets | 62.6723% | 3,388 |
| Net loans and leases to deposits | 68.9426% | 4,025 |
| Net loans and leases to core deposits | 74.9581% | 3,851 |
| Total domestic deposits to total assets | 90.9051% | 388 |
| Equity capital to assets | 8.7611% | 5,583 |
| Core capital (leverage) ratio | 7.8988% | 6,134 |
| Tier 1 risk-based capital ratio | 11.3565% | 5,858 |
| Total risk-based capital ratio | 12.6328% | 5,781 |
| Memoranda: | ||
| Average total assets | $19,376,250 | 6,498 |
| Average earning assets | $15,331,750 | 6,511 |
| Average equity | $1,843,000 | 6,497 |
| Average total loans | $13,173,250 | 6,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 847 |
| Cost of funding earning assets | 0.2022% | 5,890 |
| Net interest margin | 4.7319% | 461 |
| Noninterest income to average assets | 0.9607% | 1,305 |
| Noninterest expense to average assets | 5.2152% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5490% | 6,445 |
| Return on assets (ROA) | -0.5490% | 6,449 |
| Pretax return on assets | -0.5490% | 6,435 |
| Return on Equity (ROE) | -5.6105% | 6,447 |
| Retained earnings to average equity (ytd only) | -5.6105% | 6,273 |
| Net charge-offs to loans | 1.0981% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.7222% | 4,189 |
| Efficiency ratio | 111.7647% | 207 |
| Assets per employee ($millions) | 1.5797% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0119% | 378 |
| Loan loss allowance to noncurrent loans | 25.7125% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 12.2441% | 60 |
| Noncurrent loans to loans | 11.7136% | 48 |
| Net loans and leases to total assets | 68.9702% | 2,241 |
| Net loans and leases to deposits | 76.5412% | 2,983 |
| Net loans and leases to core deposits | 83.9476% | 2,743 |
| Total domestic deposits to total assets | 90.1087% | 754 |
| Equity capital to assets | 9.7120% | 4,474 |
| Core capital (leverage) ratio | 8.0157% | 6,086 |
| Tier 1 risk-based capital ratio | 10.6287% | 6,210 |
| Total risk-based capital ratio | 11.7071% | 6,212 |
| Memoranda: | ||
| Average total assets | $18,944,670 | 6,571 |
| Average earning assets | $14,835,330 | 6,585 |
| Average equity | $1,853,670 | 6,557 |
| Average total loans | $13,113,000 | 6,351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 1,216 |
| Cost of funding earning assets | 0.2181% | 5,860 |
| Net interest margin | 4.4988% | 659 |
| Noninterest income to average assets | 0.3802% | 4,348 |
| Noninterest expense to average assets | 5.0689% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2039% | 6,604 |
| Return on assets (ROA) | -1.2039% | 6,600 |
| Pretax return on assets | -1.2039% | 6,590 |
| Return on Equity (ROE) | -12.2581% | 6,584 |
| Retained earnings to average equity (ytd only) | -12.2581% | 6,423 |
| Net charge-offs to loans | 0.1856% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -9.5000% | 3,599 |
| Efficiency ratio | 131.1475% | 115 |
| Assets per employee ($millions) | 1.5863% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6338% | 244 |
| Loan loss allowance to noncurrent loans | 28.5024% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 13.4745% | 53 |
| Noncurrent loans to loans | 12.7492% | 59 |
| Net loans and leases to total assets | 65.7544% | 2,609 |
| Net loans and leases to deposits | 72.8962% | 3,223 |
| Net loans and leases to core deposits | 79.8991% | 2,983 |
| Total domestic deposits to total assets | 90.2028% | 968 |
| Equity capital to assets | 9.6239% | 4,326 |
| Core capital (leverage) ratio | 7.7659% | 6,237 |
| Tier 1 risk-based capital ratio | 11.8142% | 5,752 |
| Total risk-based capital ratio | 13.0972% | 5,668 |
| Memoranda: | ||
| Average total assets | $18,939,000 | 6,644 |
| Average earning assets | $14,670,500 | 6,660 |
| Average equity | $1,860,000 | 6,621 |
| Average total loans | $12,929,500 | 6,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,726 |
| Cost of funding earning assets | 0.2645% | 5,876 |
| Net interest margin | 4.3824% | 939 |
| Noninterest income to average assets | -1.2967% | 6,809 |
| Noninterest expense to average assets | 5.8448% | 215 |
| Loan and lease loss provision to assets | 0.4875% | 576 |
| Net operating income to assets | -2.6550% | 6,742 |
| Return on assets (ROA) | -2.6550% | 6,744 |
| Pretax return on assets | -4.3351% | 6,791 |
| Return on Equity (ROE) | -25.6563% | 6,707 |
| Retained earnings to average equity (ytd only) | -25.6563% | 6,699 |
| Net charge-offs to loans | 0.3745% | 1,801 |
| Credit loss provision to net charge-offs | 198.0769% | 1,157 |
| Earnings coverage of net charge-offs (x) | -15.6346% | 5,441 |
| Efficiency ratio | 292.6540% | 11 |
| Assets per employee ($millions) | 1.5702% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7141% | 242 |
| Loan loss allowance to noncurrent loans | 28.5373% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 15.7096% | 44 |
| Noncurrent loans to loans | 13.0148% | 57 |
| Net loans and leases to total assets | 65.7680% | 2,727 |
| Net loans and leases to deposits | 73.3949% | 3,345 |
| Net loans and leases to core deposits | 80.5669% | 3,058 |
| Total domestic deposits to total assets | 89.6083% | 1,270 |
| Equity capital to assets | 10.0202% | 3,742 |
| Core capital (leverage) ratio | 7.7186% | 6,293 |
| Tier 1 risk-based capital ratio | 11.9828% | 5,623 |
| Total risk-based capital ratio | 13.2672% | 5,541 |
| Memoranda: | ||
| Average total assets | $21,129,800 | 6,684 |
| Average earning assets | $15,881,800 | 6,721 |
| Average equity | $2,186,600 | 6,662 |
| Average total loans | $13,885,600 | 6,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,913 |
| Cost of funding earning assets | 0.2618% | 6,009 |
| Net interest margin | 4.3356% | 1,018 |
| Noninterest income to average assets | -1.9107% | 6,890 |
| Noninterest expense to average assets | 5.6215% | 236 |
| Loan and lease loss provision to assets | 0.6328% | 367 |
| Net operating income to assets | -3.4159% | 6,862 |
| Return on assets (ROA) | -3.4159% | 6,860 |
| Pretax return on assets | -4.9088% | 6,876 |
| Return on Equity (ROE) | -32.7832% | 6,823 |
| Retained earnings to average equity (ytd only) | -32.7832% | 6,818 |
| Net charge-offs to loans | 0.5186% | 1,242 |
| Credit loss provision to net charge-offs | 187.2727% | 1,289 |
| Earnings coverage of net charge-offs (x) | -12.6548% | 5,173 |
| Efficiency ratio | 417.8082% | 7 |
| Assets per employee ($millions) | 1.6464% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4321% | 356 |
| Loan loss allowance to noncurrent loans | 28.0236% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 15.7463% | 43 |
| Noncurrent loans to loans | 12.2471% | 74 |
| Net loans and leases to total assets | 67.6469% | 2,344 |
| Net loans and leases to deposits | 76.5859% | 2,871 |
| Net loans and leases to core deposits | 83.7931% | 2,672 |
| Total domestic deposits to total assets | 88.3282% | 1,928 |
| Equity capital to assets | 9.5915% | 4,429 |
| Core capital (leverage) ratio | 7.8987% | 6,279 |
| Tier 1 risk-based capital ratio | 12.7304% | 5,307 |
| Total risk-based capital ratio | 14.0791% | 5,175 |
| Memoranda: | ||
| Average total assets | $21,701,750 | 6,754 |
| Average earning assets | $16,298,750 | 6,792 |
| Average equity | $2,261,250 | 6,734 |
| Average total loans | $14,139,500 | 6,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 2,348 |
| Cost of funding earning assets | 0.2743% | 6,025 |
| Net interest margin | 4.1855% | 1,312 |
| Noninterest income to average assets | -1.9329% | 6,936 |
| Noninterest expense to average assets | 5.3960% | 275 |
| Loan and lease loss provision to assets | 0.9217% | 209 |
| Net operating income to assets | -3.1857% | 6,901 |
| Return on assets (ROA) | -3.1857% | 6,901 |
| Pretax return on assets | -5.1096% | 6,921 |
| Return on Equity (ROE) | -29.8742% | 6,863 |
| Retained earnings to average equity (ytd only) | -29.8742% | 6,850 |
| Net charge-offs to loans | 0.8427% | 738 |
| Credit loss provision to net charge-offs | 171.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | -7.8000% | 4,849 |
| Efficiency ratio | 446.6667% | 5 |
| Assets per employee ($millions) | 1.7520% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3680% | 412 |
| Loan loss allowance to noncurrent loans | 26.2277% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 15.9056% | 47 |
| Noncurrent loans to loans | 12.8413% | 76 |
| Net loans and leases to total assets | 64.1410% | 2,889 |
| Net loans and leases to deposits | 71.7975% | 3,481 |
| Net loans and leases to core deposits | 78.0292% | 3,286 |
| Total domestic deposits to total assets | 89.3360% | 1,420 |
| Equity capital to assets | 10.2978% | 3,548 |
| Core capital (leverage) ratio | 9.0853% | 4,846 |
| Tier 1 risk-based capital ratio | 14.9949% | 3,779 |
| Total risk-based capital ratio | 16.3435% | 3,678 |
| Memoranda: | ||
| Average total assets | $22,350,000 | 6,795 |
| Average earning assets | $16,772,330 | 6,832 |
| Average equity | $2,383,330 | 6,770 |
| Average total loans | $14,239,330 | 6,556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,553 |
| Cost of funding earning assets | 0.3037% | 5,940 |
| Net interest margin | 4.0881% | 1,496 |
| Noninterest income to average assets | 0.2086% | 5,989 |
| Noninterest expense to average assets | 5.1971% | 322 |
| Loan and lease loss provision to assets | 0.5736% | 447 |
| Net operating income to assets | -1.5643% | 6,888 |
| Return on assets (ROA) | -1.5643% | 6,893 |
| Pretax return on assets | -2.5203% | 6,940 |
| Return on Equity (ROE) | -14.4433% | 6,860 |
| Retained earnings to average equity (ytd only) | -14.4433% | 6,733 |
| Net charge-offs to loans | 0.6119% | 995 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | -5.0909% | 4,071 |
| Efficiency ratio | 159.8930% | 73 |
| Assets per employee ($millions) | 2.0424% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0813% | 606 |
| Loan loss allowance to noncurrent loans | 21.4917% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 18.9308% | 31 |
| Noncurrent loans to loans | 14.3370% | 91 |
| Net loans and leases to total assets | 61.3238% | 3,204 |
| Net loans and leases to deposits | 68.9747% | 3,640 |
| Net loans and leases to core deposits | 76.4667% | 3,258 |
| Total domestic deposits to total assets | 88.9077% | 1,733 |
| Equity capital to assets | 10.8876% | 3,090 |
| Core capital (leverage) ratio | 9.1893% | 4,585 |
| Tier 1 risk-based capital ratio | 14.1440% | 4,400 |
| Total risk-based capital ratio | 15.4829% | 4,306 |
| Memoranda: | ||
| Average total assets | $23,013,000 | 6,857 |
| Average earning assets | $17,123,000 | 6,897 |
| Average equity | $2,492,500 | 6,815 |
| Average total loans | $14,381,500 | 6,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 3,550 |
| Cost of funding earning assets | 0.3814% | 6,044 |
| Net interest margin | 4.0833% | 2,073 |
| Noninterest income to average assets | 0.0336% | 6,739 |
| Noninterest expense to average assets | 5.3074% | 306 |
| Loan and lease loss provision to assets | 1.0749% | 360 |
| Net operating income to assets | -2.0197% | 6,929 |
| Return on assets (ROA) | -2.0197% | 6,935 |
| Pretax return on assets | -3.2919% | 7,026 |
| Return on Equity (ROE) | -17.4313% | 6,854 |
| Retained earnings to average equity (ytd only) | -17.4313% | 6,811 |
| Net charge-offs to loans | 3.2527% | 135 |
| Credit loss provision to net charge-offs | 51.7172% | 4,657 |
| Earnings coverage of net charge-offs (x) | -1.0667% | 5,764 |
| Efficiency ratio | 171.7391% | 65 |
| Assets per employee ($millions) | 2.1418% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9282% | 715 |
| Loan loss allowance to noncurrent loans | 18.9502% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 19.5925% | 28 |
| Noncurrent loans to loans | 15.4523% | 74 |
| Net loans and leases to total assets | 59.9406% | 3,615 |
| Net loans and leases to deposits | 67.3214% | 4,080 |
| Net loans and leases to core deposits | 80.4352% | 2,951 |
| Total domestic deposits to total assets | 89.0365% | 1,539 |
| Equity capital to assets | 10.7767% | 3,198 |
| Core capital (leverage) ratio | 9.0874% | 4,753 |
| Tier 1 risk-based capital ratio | 13.9131% | 4,438 |
| Total risk-based capital ratio | 15.2435% | 4,350 |
| Memoranda: | ||
| Average total assets | $23,815,800 | 6,898 |
| Average earning assets | $17,828,800 | 6,939 |
| Average equity | $2,759,400 | 6,830 |
| Average total loans | $15,218,200 | 6,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 3,831 |
| Cost of funding earning assets | 0.3944% | 6,151 |
| Net interest margin | 4.0558% | 2,271 |
| Noninterest income to average assets | 0.1284% | 6,495 |
| Noninterest expense to average assets | 5.1311% | 335 |
| Loan and lease loss provision to assets | 0.5918% | 946 |
| Net operating income to assets | -2.2948% | 7,072 |
| Return on assets (ROA) | -2.2948% | 7,075 |
| Pretax return on assets | -2.5516% | 7,083 |
| Return on Equity (ROE) | -19.4702% | 6,983 |
| Retained earnings to average equity (ytd only) | -19.4702% | 6,966 |
| Net charge-offs to loans | 1.7592% | 454 |
| Credit loss provision to net charge-offs | 52.2167% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.7291% | 5,632 |
| Efficiency ratio | 161.7958% | 72 |
| Assets per employee ($millions) | 1.9979% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5368% | 452 |
| Loan loss allowance to noncurrent loans | 22.9435% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 19.7539% | 39 |
| Noncurrent loans to loans | 15.4152% | 89 |
| Net loans and leases to total assets | 64.7299% | 2,891 |
| Net loans and leases to deposits | 72.8045% | 3,474 |
| Net loans and leases to core deposits | 86.7177% | 2,377 |
| Total domestic deposits to total assets | 88.9093% | 1,483 |
| Equity capital to assets | 10.8989% | 3,380 |
| Core capital (leverage) ratio | 10.4525% | 2,976 |
| Tier 1 risk-based capital ratio | 16.0738% | 3,229 |
| Total risk-based capital ratio | 17.3555% | 3,185 |
| Memoranda: | ||
| Average total assets | $23,879,750 | 6,984 |
| Average earning assets | $17,916,500 | 7,033 |
| Average equity | $2,814,500 | 6,906 |
| Average total loans | $15,385,750 | 6,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 3,998 |
| Cost of funding earning assets | 0.4144% | 6,195 |
| Net interest margin | 4.0316% | 2,377 |
| Noninterest income to average assets | -0.1593% | 7,122 |
| Noninterest expense to average assets | 5.2835% | 313 |
| Loan and lease loss provision to assets | 0.8890% | 528 |
| Net operating income to assets | -2.9269% | 7,154 |
| Return on assets (ROA) | -2.9269% | 7,159 |
| Pretax return on assets | -3.3126% | 7,163 |
| Return on Equity (ROE) | -24.2221% | 7,068 |
| Retained earnings to average equity (ytd only) | -24.2221% | 7,054 |
| Net charge-offs to loans | 2.0856% | 387 |
| Credit loss provision to net charge-offs | 67.0886% | 3,633 |
| Earnings coverage of net charge-offs (x) | -1.8291% | 5,371 |
| Efficiency ratio | 184.7507% | 51 |
| Assets per employee ($millions) | 2.1665% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9780% | 351 |
| Loan loss allowance to noncurrent loans | 24.2114% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 21.2287% | 31 |
| Noncurrent loans to loans | 16.4302% | 82 |
| Net loans and leases to total assets | 62.1921% | 3,394 |
| Net loans and leases to deposits | 70.2284% | 3,860 |
| Net loans and leases to core deposits | 86.4450% | 2,370 |
| Total domestic deposits to total assets | 88.5569% | 1,781 |
| Equity capital to assets | 11.2291% | 2,862 |
| Core capital (leverage) ratio | 10.7879% | 2,493 |
| Tier 1 risk-based capital ratio | 15.4384% | 3,483 |
| Total risk-based capital ratio | 16.7811% | 3,385 |
| Memoranda: | ||
| Average total assets | $23,848,000 | 7,043 |
| Average earning assets | $17,859,000 | 7,093 |
| Average equity | $2,881,670 | 6,938 |
| Average total loans | $15,151,670 | 6,791 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 5,047 |
| Cost of funding earning assets | 0.4081% | 6,369 |
| Net interest margin | 3.8092% | 3,352 |
| Noninterest income to average assets | 1.1905% | 1,009 |
| Noninterest expense to average assets | 5.3319% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.3246% | 7,057 |
| Return on assets (ROA) | -1.3246% | 7,072 |
| Pretax return on assets | -1.3246% | 7,048 |
| Return on Equity (ROE) | -10.5880% | 6,998 |
| Retained earnings to average equity (ytd only) | -10.5880% | 6,857 |
| Net charge-offs to loans | 0.4797% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -4.3889% | 4,658 |
| Efficiency ratio | 133.0544% | 153 |
| Assets per employee ($millions) | 2.1619% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1379% | 331 |
| Loan loss allowance to noncurrent loans | 21.7669% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 26.6011% | 12 |
| Noncurrent loans to loans | 19.0102% | 61 |
| Net loans and leases to total assets | 63.1260% | 3,013 |
| Net loans and leases to deposits | 72.0761% | 3,425 |
| Net loans and leases to core deposits | 85.4265% | 2,356 |
| Total domestic deposits to total assets | 87.5825% | 2,600 |
| Equity capital to assets | 12.3838% | 1,798 |
| Core capital (leverage) ratio | 11.8330% | 1,690 |
| Tier 1 risk-based capital ratio | 16.5492% | 2,886 |
| Total risk-based capital ratio | 17.8835% | 2,805 |
| Memoranda: | ||
| Average total assets | $23,856,500 | 7,101 |
| Average earning assets | $17,641,500 | 7,156 |
| Average equity | $2,984,500 | 6,965 |
| Average total loans | $15,010,000 | 6,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 2,778 |
| Cost of funding earning assets | 0.5612% | 6,284 |
| Net interest margin | 4.4634% | 1,220 |
| Noninterest income to average assets | -0.4748% | 7,256 |
| Noninterest expense to average assets | 4.4575% | 607 |
| Loan and lease loss provision to assets | 0.3375% | 2,996 |
| Net operating income to assets | -1.2086% | 6,825 |
| Return on assets (ROA) | -1.2086% | 6,849 |
| Pretax return on assets | -1.9305% | 7,008 |
| Return on Equity (ROE) | -10.4456% | 6,751 |
| Retained earnings to average equity (ytd only) | -10.4456% | 6,715 |
| Net charge-offs to loans | 1.7875% | 829 |
| Credit loss provision to net charge-offs | 30.1754% | 5,782 |
| Earnings coverage of net charge-offs (x) | -1.4246% | 6,245 |
| Efficiency ratio | 155.6164% | 126 |
| Assets per employee ($millions) | 1.9943% | 7,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6379% | 231 |
| Loan loss allowance to noncurrent loans | 25.1891% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 24.8705% | 19 |
| Noncurrent loans to loans | 18.4123% | 67 |
| Net loans and leases to total assets | 57.2205% | 4,510 |
| Net loans and leases to deposits | 65.5592% | 4,794 |
| Net loans and leases to core deposits | 76.7945% | 3,859 |
| Total domestic deposits to total assets | 87.2806% | 2,588 |
| Equity capital to assets | 12.6358% | 1,718 |
| Core capital (leverage) ratio | 11.5641% | 1,836 |
| Tier 1 risk-based capital ratio | 16.9546% | 2,627 |
| Total risk-based capital ratio | 18.2907% | 2,534 |
| Memoranda: | ||
| Average total assets | $25,485,000 | 7,090 |
| Average earning assets | $19,066,000 | 7,160 |
| Average equity | $2,948,600 | 7,021 |
| Average total loans | $15,943,800 | 6,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 2,578 |
| Cost of funding earning assets | 0.5902% | 6,329 |
| Net interest margin | 4.5160% | 1,104 |
| Noninterest income to average assets | -0.4586% | 7,339 |
| Noninterest expense to average assets | 4.9264% | 404 |
| Loan and lease loss provision to assets | 0.2886% | 3,205 |
| Net operating income to assets | -1.8603% | 7,113 |
| Return on assets (ROA) | -1.8603% | 7,123 |
| Pretax return on assets | -2.2829% | 7,177 |
| Return on Equity (ROE) | -16.4287% | 7,044 |
| Retained earnings to average equity (ytd only) | -16.4287% | 7,022 |
| Net charge-offs to loans | 2.3419% | 493 |
| Credit loss provision to net charge-offs | 19.5122% | 5,567 |
| Earnings coverage of net charge-offs (x) | -1.3484% | 5,972 |
| Efficiency ratio | 168.0141% | 94 |
| Assets per employee ($millions) | 2.0879% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2668% | 322 |
| Loan loss allowance to noncurrent loans | 23.6303% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 24.8254% | 21 |
| Noncurrent loans to loans | 18.0564% | 79 |
| Net loans and leases to total assets | 56.7751% | 4,721 |
| Net loans and leases to deposits | 64.7003% | 5,087 |
| Net loans and leases to core deposits | 80.4354% | 3,572 |
| Total domestic deposits to total assets | 87.7509% | 2,194 |
| Equity capital to assets | 11.8699% | 2,359 |
| Core capital (leverage) ratio | 11.1469% | 2,283 |
| Tier 1 risk-based capital ratio | 15.6458% | 3,313 |
| Total risk-based capital ratio | 16.9319% | 3,251 |
| Memoranda: | ||
| Average total assets | $25,873,250 | 7,150 |
| Average earning assets | $19,426,500 | 7,226 |
| Average equity | $2,929,750 | 7,090 |
| Average total loans | $16,339,750 | 6,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 4,354 |
| Cost of funding earning assets | 0.6012% | 6,462 |
| Net interest margin | 4.1372% | 2,276 |
| Noninterest income to average assets | -0.2371% | 7,354 |
| Noninterest expense to average assets | 5.8977% | 205 |
| Loan and lease loss provision to assets | 0.4284% | 2,285 |
| Net operating income to assets | -2.8303% | 7,292 |
| Return on assets (ROA) | -2.8303% | 7,297 |
| Pretax return on assets | -3.4575% | 7,360 |
| Return on Equity (ROE) | -25.3859% | 7,197 |
| Retained earnings to average equity (ytd only) | -25.3859% | 7,187 |
| Net charge-offs to loans | 1.8653% | 731 |
| Credit loss provision to net charge-offs | 35.6688% | 4,897 |
| Earnings coverage of net charge-offs (x) | -2.5223% | 5,738 |
| Efficiency ratio | 205.6000% | 58 |
| Assets per employee ($millions) | 2.0981% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6920% | 237 |
| Loan loss allowance to noncurrent loans | 27.0826% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 24.8640% | 28 |
| Noncurrent loans to loans | 17.3248% | 94 |
| Net loans and leases to total assets | 61.6396% | 3,961 |
| Net loans and leases to deposits | 70.1900% | 4,416 |
| Net loans and leases to core deposits | 87.1071% | 2,751 |
| Total domestic deposits to total assets | 87.8182% | 2,271 |
| Equity capital to assets | 11.7726% | 2,269 |
| Core capital (leverage) ratio | 11.6960% | 1,786 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,497 |
| Total risk-based capital ratio | 16.2671% | 3,457 |
| Memoranda: | ||
| Average total assets | $26,146,000 | 7,208 |
| Average earning assets | $19,627,000 | 7,291 |
| Average equity | $2,915,000 | 7,149 |
| Average total loans | $16,833,330 | 6,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 3,810 |
| Cost of funding earning assets | 0.6817% | 6,240 |
| Net interest margin | 4.1704% | 1,997 |
| Noninterest income to average assets | 1.0664% | 1,154 |
| Noninterest expense to average assets | 6.3686% | 175 |
| Loan and lease loss provision to assets | 0.8411% | 985 |
| Net operating income to assets | -1.7874% | 7,253 |
| Return on assets (ROA) | -1.7874% | 7,253 |
| Pretax return on assets | -3.0191% | 7,378 |
| Return on Equity (ROE) | -16.4677% | 7,174 |
| Retained earnings to average equity (ytd only) | -16.4677% | 7,079 |
| Net charge-offs to loans | 3.6239% | 272 |
| Credit loss provision to net charge-offs | 36.1290% | 4,020 |
| Earnings coverage of net charge-offs (x) | -0.9355% | 4,886 |
| Efficiency ratio | 151.9713% | 150 |
| Assets per employee ($millions) | 1.8447% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5224% | 285 |
| Loan loss allowance to noncurrent loans | 26.3321% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 25.8344% | 21 |
| Noncurrent loans to loans | 17.1744% | 108 |
| Net loans and leases to total assets | 62.6191% | 3,734 |
| Net loans and leases to deposits | 71.7289% | 4,109 |
| Net loans and leases to core deposits | 87.5914% | 2,655 |
| Total domestic deposits to total assets | 87.2996% | 2,763 |
| Equity capital to assets | 12.4177% | 1,671 |
| Core capital (leverage) ratio | 11.5800% | 1,802 |
| Tier 1 risk-based capital ratio | 15.8275% | 2,984 |
| Total risk-based capital ratio | 17.1578% | 2,922 |
| Memoranda: | ||
| Average total assets | $26,630,500 | 7,244 |
| Average earning assets | $19,950,000 | 7,344 |
| Average equity | $2,890,500 | 7,201 |
| Average total loans | $17,108,500 | 6,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 2,415 |
| Cost of funding earning assets | 0.9462% | 5,952 |
| Net interest margin | 4.5185% | 1,188 |
| Noninterest income to average assets | 1.0214% | 1,436 |
| Noninterest expense to average assets | 5.6898% | 274 |
| Loan and lease loss provision to assets | 1.3991% | 1,074 |
| Net operating income to assets | -2.5464% | 7,191 |
| Return on assets (ROA) | -2.5464% | 7,211 |
| Pretax return on assets | -2.5464% | 7,181 |
| Return on Equity (ROE) | -24.6621% | 7,127 |
| Retained earnings to average equity (ytd only) | -24.6621% | 7,106 |
| Net charge-offs to loans | 0.9872% | 2,209 |
| Credit loss provision to net charge-offs | 205.8201% | 1,506 |
| Earnings coverage of net charge-offs (x) | -1.6878% | 6,691 |
| Efficiency ratio | 125.2573% | 355 |
| Assets per employee ($millions) | 1.5242% | 7,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0061% | 191 |
| Loan loss allowance to noncurrent loans | 29.3320% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 24.5927% | 30 |
| Noncurrent loans to loans | 17.0670% | 107 |
| Net loans and leases to total assets | 59.8287% | 4,706 |
| Net loans and leases to deposits | 66.1055% | 5,386 |
| Net loans and leases to core deposits | 79.0998% | 4,336 |
| Total domestic deposits to total assets | 90.5048% | 830 |
| Equity capital to assets | 9.3822% | 4,567 |
| Core capital (leverage) ratio | 9.4126% | 3,827 |
| Tier 1 risk-based capital ratio | 12.4636% | 5,054 |
| Total risk-based capital ratio | 13.7939% | 4,975 |
| Memoranda: | ||
| Average total assets | $27,804,200 | 7,267 |
| Average earning assets | $21,666,600 | 7,362 |
| Average equity | $2,870,800 | 7,310 |
| Average total loans | $19,144,600 | 6,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6142% | 2,015 |
| Cost of funding earning assets | 1.0058% | 5,913 |
| Net interest margin | 4.6084% | 1,026 |
| Noninterest income to average assets | 1.0324% | 1,361 |
| Noninterest expense to average assets | 5.7114% | 246 |
| Loan and lease loss provision to assets | 1.8592% | 669 |
| Net operating income to assets | -2.9250% | 7,436 |
| Return on assets (ROA) | -2.9250% | 7,444 |
| Pretax return on assets | -2.9250% | 7,401 |
| Return on Equity (ROE) | -27.7073% | 7,351 |
| Retained earnings to average equity (ytd only) | -27.7073% | 7,342 |
| Net charge-offs to loans | 1.2782% | 1,595 |
| Credit loss provision to net charge-offs | 206.9149% | 1,711 |
| Earnings coverage of net charge-offs (x) | -1.1862% | 6,475 |
| Efficiency ratio | 122.9424% | 363 |
| Assets per employee ($millions) | 1.4621% | 7,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6624% | 226 |
| Loan loss allowance to noncurrent loans | 34.4334% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 22.0305% | 37 |
| Noncurrent loans to loans | 13.5404% | 205 |
| Net loans and leases to total assets | 67.2847% | 3,385 |
| Net loans and leases to deposits | 74.9577% | 4,345 |
| Net loans and leases to core deposits | 91.1515% | 2,931 |
| Total domestic deposits to total assets | 89.7637% | 990 |
| Equity capital to assets | 10.1413% | 3,961 |
| Core capital (leverage) ratio | 9.8265% | 3,459 |
| Tier 1 risk-based capital ratio | 12.6018% | 4,887 |
| Total risk-based capital ratio | 13.9320% | 4,815 |
| Memoranda: | ||
| Average total assets | $27,896,500 | 7,362 |
| Average earning assets | $21,872,500 | 7,448 |
| Average equity | $2,945,000 | 7,384 |
| Average total loans | $19,611,000 | 7,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 2,525 |
| Cost of funding earning assets | 1.0585% | 5,878 |
| Net interest margin | 4.4387% | 1,349 |
| Noninterest income to average assets | 0.8937% | 1,712 |
| Noninterest expense to average assets | 5.2775% | 311 |
| Loan and lease loss provision to assets | 1.9280% | 637 |
| Net operating income to assets | -2.8006% | 7,478 |
| Return on assets (ROA) | -2.8006% | 7,490 |
| Pretax return on assets | -2.8006% | 7,437 |
| Return on Equity (ROE) | -26.2101% | 7,385 |
| Retained earnings to average equity (ytd only) | -26.2101% | 7,369 |
| Net charge-offs to loans | 0.8919% | 2,057 |
| Credit loss provision to net charge-offs | 307.8652% | 1,190 |
| Earnings coverage of net charge-offs (x) | -1.3933% | 6,168 |
| Efficiency ratio | 119.8083% | 421 |
| Assets per employee ($millions) | 1.6153% | 7,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3432% | 286 |
| Loan loss allowance to noncurrent loans | 32.7806% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 19.7888% | 59 |
| Noncurrent loans to loans | 13.2492% | 222 |
| Net loans and leases to total assets | 68.1755% | 3,320 |
| Net loans and leases to deposits | 76.3344% | 4,272 |
| Net loans and leases to core deposits | 94.7851% | 2,608 |
| Total domestic deposits to total assets | 89.3117% | 1,276 |
| Equity capital to assets | 10.4989% | 3,409 |
| Core capital (leverage) ratio | 10.2662% | 2,874 |
| Tier 1 risk-based capital ratio | 13.2832% | 4,217 |
| Total risk-based capital ratio | 14.5667% | 4,154 |
| Memoranda: | ||
| Average total assets | $28,422,670 | 7,403 |
| Average earning assets | $22,484,000 | 7,492 |
| Average equity | $3,037,000 | 7,406 |
| Average total loans | $19,956,670 | 7,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 3,504 |
| Cost of funding earning assets | 1.1314% | 5,753 |
| Net interest margin | 4.1775% | 2,133 |
| Noninterest income to average assets | 0.4290% | 4,673 |
| Noninterest expense to average assets | 4.6360% | 496 |
| Loan and lease loss provision to assets | 3.7919% | 239 |
| Net operating income to assets | -4.6776% | 7,765 |
| Return on assets (ROA) | -4.6776% | 7,771 |
| Pretax return on assets | -4.6776% | 7,739 |
| Return on Equity (ROE) | -43.4168% | 7,673 |
| Retained earnings to average equity (ytd only) | -43.4168% | 7,660 |
| Net charge-offs to loans | 1.6477% | 1,057 |
| Credit loss provision to net charge-offs | 330.1205% | 1,204 |
| Earnings coverage of net charge-offs (x) | -0.7711% | 5,344 |
| Efficiency ratio | 123.6162% | 405 |
| Assets per employee ($millions) | 1.6715% | 7,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2952% | 292 |
| Loan loss allowance to noncurrent loans | 51.5973% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 15.9136% | 116 |
| Noncurrent loans to loans | 8.3246% | 632 |
| Net loans and leases to total assets | 67.1206% | 3,597 |
| Net loans and leases to deposits | 74.9519% | 4,592 |
| Net loans and leases to core deposits | 93.3852% | 2,920 |
| Total domestic deposits to total assets | 89.5517% | 1,207 |
| Equity capital to assets | 10.3639% | 3,389 |
| Core capital (leverage) ratio | 10.1199% | 3,020 |
| Tier 1 risk-based capital ratio | 13.2125% | 4,201 |
| Total risk-based capital ratio | 14.5351% | 4,086 |
| Memoranda: | ||
| Average total assets | $28,904,000 | 7,482 |
| Average earning assets | $22,980,500 | 7,566 |
| Average equity | $3,114,000 | 7,462 |
| Average total loans | $20,149,500 | 7,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 2,671 |
| Cost of funding earning assets | 1.5478% | 5,296 |
| Net interest margin | 4.2485% | 1,902 |
| Noninterest income to average assets | 1.2263% | 1,010 |
| Noninterest expense to average assets | 4.6471% | 684 |
| Loan and lease loss provision to assets | 0.9851% | 2,302 |
| Net operating income to assets | -0.8459% | 6,468 |
| Return on assets (ROA) | -0.8459% | 6,468 |
| Pretax return on assets | -0.8255% | 6,284 |
| Return on Equity (ROE) | -7.1886% | 6,398 |
| Retained earnings to average equity (ytd only) | -7.1886% | 6,256 |
| Net charge-offs to loans | 1.0606% | 2,291 |
| Credit loss provision to net charge-offs | 117.4089% | 4,618 |
| Earnings coverage of net charge-offs (x) | 0.1903% | 5,955 |
| Efficiency ratio | 96.6784% | 1,286 |
| Assets per employee ($millions) | 1.6329% | 7,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2646% | 623 |
| Loan loss allowance to noncurrent loans | 31.7878% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 16.1745% | 112 |
| Noncurrent loans to loans | 10.2700% | 390 |
| Net loans and leases to total assets | 67.0421% | 3,917 |
| Net loans and leases to deposits | 75.5966% | 4,810 |
| Net loans and leases to core deposits | 108.7833% | 3,022 |
| Total domestic deposits to total assets | 88.6840% | 1,634 |
| Equity capital to assets | 11.1697% | 2,560 |
| Core capital (leverage) ratio | 11.0500% | 2,199 |
| Tier 1 risk-based capital ratio | 14.2224% | 3,365 |
| Total risk-based capital ratio | 15.5339% | 3,276 |
| Memoranda: | ||
| Average total assets | $29,437,800 | 7,494 |
| Average earning assets | $24,808,800 | 7,550 |
| Average equity | $3,463,800 | 7,453 |
| Average total loans | $23,289,600 | 7,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 2,802 |
| Cost of funding earning assets | 1.6050% | 5,376 |
| Net interest margin | 4.2145% | 1,993 |
| Noninterest income to average assets | 1.1771% | 1,127 |
| Noninterest expense to average assets | 4.6950% | 615 |
| Loan and lease loss provision to assets | 0.2581% | 4,891 |
| Net operating income to assets | -0.2128% | 6,088 |
| Return on assets (ROA) | -0.2128% | 6,095 |
| Pretax return on assets | -0.1856% | 5,956 |
| Return on Equity (ROE) | -1.7860% | 6,065 |
| Retained earnings to average equity (ytd only) | -1.7860% | 5,678 |
| Net charge-offs to loans | 0.6162% | 2,829 |
| Credit loss provision to net charge-offs | 51.3514% | 6,288 |
| Earnings coverage of net charge-offs (x) | 0.1441% | 5,890 |
| Efficiency ratio | 98.4805% | 1,141 |
| Assets per employee ($millions) | 1.6276% | 7,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 1,006 |
| Loan loss allowance to noncurrent loans | 27.4854% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 13.9775% | 149 |
| Noncurrent loans to loans | 9.3146% | 459 |
| Net loans and leases to total assets | 73.2703% | 2,717 |
| Net loans and leases to deposits | 83.4539% | 3,743 |
| Net loans and leases to core deposits | 123.3324% | 1,963 |
| Total domestic deposits to total assets | 87.7974% | 1,750 |
| Equity capital to assets | 11.9057% | 2,291 |
| Core capital (leverage) ratio | 11.8471% | 1,872 |
| Tier 1 risk-based capital ratio | 14.5469% | 3,251 |
| Total risk-based capital ratio | 15.8439% | 3,174 |
| Memoranda: | ||
| Average total assets | $29,449,250 | 7,560 |
| Average earning assets | $25,087,500 | 7,606 |
| Average equity | $3,509,000 | 7,506 |
| Average total loans | $24,019,500 | 7,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 3,509 |
| Cost of funding earning assets | 1.6716% | 5,411 |
| Net interest margin | 4.0339% | 2,565 |
| Noninterest income to average assets | 1.1254% | 1,245 |
| Noninterest expense to average assets | 4.6712% | 657 |
| Loan and lease loss provision to assets | 0.3864% | 3,599 |
| Net operating income to assets | -0.4881% | 6,534 |
| Return on assets (ROA) | -0.4881% | 6,544 |
| Pretax return on assets | -0.4475% | 6,368 |
| Return on Equity (ROE) | -4.0956% | 6,488 |
| Retained earnings to average equity (ytd only) | -4.0956% | 6,153 |
| Net charge-offs to loans | 0.5834% | 2,581 |
| Credit loss provision to net charge-offs | 79.1667% | 5,220 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 5,820 |
| Efficiency ratio | 101.3235% | 1,113 |
| Assets per employee ($millions) | 1.5823% | 8,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4890% | 912 |
| Loan loss allowance to noncurrent loans | 17.7090% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 15.8311% | 91 |
| Noncurrent loans to loans | 14.0551% | 157 |
| Net loans and leases to total assets | 81.0161% | 1,136 |
| Net loans and leases to deposits | 92.5035% | 2,368 |
| Net loans and leases to core deposits | 126.2861% | 1,841 |
| Total domestic deposits to total assets | 87.5816% | 1,976 |
| Equity capital to assets | 12.1445% | 2,122 |
| Core capital (leverage) ratio | 11.7832% | 1,929 |
| Tier 1 risk-based capital ratio | 14.6887% | 3,152 |
| Total risk-based capital ratio | 15.9951% | 3,058 |
| Memoranda: | ||
| Average total assets | $29,500,000 | 7,622 |
| Average earning assets | $25,484,000 | 7,657 |
| Average equity | $3,516,000 | 7,569 |
| Average total loans | $24,682,670 | 7,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 3,514 |
| Cost of funding earning assets | 1.7045% | 5,580 |
| Net interest margin | 4.0482% | 2,460 |
| Noninterest income to average assets | 0.9064% | 1,823 |
| Noninterest expense to average assets | 4.4120% | 775 |
| Loan and lease loss provision to assets | 0.6131% | 2,053 |
| Net operating income to assets | -0.7998% | 7,126 |
| Return on assets (ROA) | -0.7998% | 7,161 |
| Pretax return on assets | -0.5732% | 6,882 |
| Return on Equity (ROE) | -6.7711% | 7,130 |
| Retained earnings to average equity (ytd only) | -6.7711% | 6,771 |
| Net charge-offs to loans | 0.7939% | 1,627 |
| Credit loss provision to net charge-offs | 92.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | 0.0600% | 4,929 |
| Efficiency ratio | 99.1018% | 1,170 |
| Assets per employee ($millions) | 1.6616% | 8,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4133% | 836 |
| Loan loss allowance to noncurrent loans | 16.9300% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 13.7555% | 101 |
| Noncurrent loans to loans | 14.2547% | 115 |
| Net loans and leases to total assets | 81.1221% | 1,178 |
| Net loans and leases to deposits | 92.2685% | 2,553 |
| Net loans and leases to core deposits | 123.2449% | 2,140 |
| Total domestic deposits to total assets | 87.9196% | 1,777 |
| Equity capital to assets | 11.7460% | 2,410 |
| Core capital (leverage) ratio | 11.5560% | 2,111 |
| Tier 1 risk-based capital ratio | 14.5410% | 3,288 |
| Total risk-based capital ratio | 15.8098% | 3,208 |
| Memoranda: | ||
| Average total assets | $30,009,000 | 7,648 |
| Average earning assets | $26,283,000 | 7,671 |
| Average equity | $3,544,500 | 7,610 |
| Average total loans | $25,192,000 | 7,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5818% | 350 |
| Cost of funding earning assets | 2.1976% | 5,614 |
| Net interest margin | 5.3842% | 245 |
| Noninterest income to average assets | 1.3020% | 867 |
| Noninterest expense to average assets | 4.3308% | 1,008 |
| Loan and lease loss provision to assets | 1.4386% | 957 |
| Net operating income to assets | 0.1912% | 5,876 |
| Return on assets (ROA) | 0.1912% | 5,693 |
| Pretax return on assets | 0.2914% | 5,526 |
| Return on Equity (ROE) | 1.7841% | 5,677 |
| Retained earnings to average equity (ytd only) | 0.3681% | 5,025 |
| Net charge-offs to loans | 0.1569% | 4,630 |
| Credit loss provision to net charge-offs | 1,077.2727% | 411 |
| Earnings coverage of net charge-offs (x) | 12.9545% | 2,189 |
| Efficiency ratio | 71.4572% | 4,042 |
| Assets per employee ($millions) | 1.5847% | 8,140 |
| Cash dividends to net income (ytd only)* | 79.3651% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 786 |
| Loan loss allowance to noncurrent loans | 17.8963% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 13.1020% | 84 |
| Noncurrent loans to loans | 13.2239% | 95 |
| Net loans and leases to total assets | 82.7566% | 1,089 |
| Net loans and leases to deposits | 94.2364% | 2,723 |
| Net loans and leases to core deposits | 127.3275% | 2,054 |
| Total domestic deposits to total assets | 87.8180% | 1,551 |
| Equity capital to assets | 11.8765% | 2,370 |
| Core capital (leverage) ratio | 11.7830% | 2,085 |
| Tier 1 risk-based capital ratio | 14.4138% | 3,333 |
| Total risk-based capital ratio | 15.6815% | 3,239 |
| Memoranda: | ||
| Average total assets | $32,949,800 | 7,513 |
| Average earning assets | $29,122,400 | 7,560 |
| Average equity | $3,531,200 | 7,667 |
| Average total loans | $28,051,600 | 6,842 |